Most everybody runs ARB for front bumpers here! The guards (any of them) will drag and bend when you are out doing serious four wheeling!
My surco rack is the smallest one and I purchased it from Overlander.com. It is 45" X 50" and weighs only 28 lbs! Getting you rack from the junkyard is a good deal! You'll have to get the Xterra specific mounts for $40.00
http://www.overlander.com/pages_rack...38683322383558